Banks in Inlet Beach, FL

Bank branch map: Inlet Beach

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Inlet Beach, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Inlet Beach

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: United Community and Capital City Bank have the most locations in Inlet Beach, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Capital City Bank 1 branch · main office Tallahassee, FL Bank · 1

Capital City Bank has 1 branch in Inlet Beach, 53 across Florida and 67 nationwide. FDIC records list its main office in Tallahassee, FL and show it operating since 1907. With $4.45 billion in total assets on June 30, 2026, it ranks No. 313 of 4,232 U.S. banks by total assets. The Watersound Origins Office Branch at 11275 Us Highway 98 E dates to 2023 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Watersound Origins Office Branch

  11275 Us Highway 98 E, 32461

  Hours: see the bank's site
  DirectionsWebsite

Capital City Bank: profile, branches and contacts

United Community United Community Bank · 1 branch · main office Greenville, SC Bank · 1

United Community has 1 branch in Inlet Beach, 21 across Florida and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The Inlet Beach Branch at 12805 Us Highway 98 E dates to 2020 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Inlet Beach Branch

  12805 Us Highway 98 E, 32461

  Hours: see the bank's site
  DirectionsWebsite

United Community: profile, branches and contacts

Banking in Inlet Beach: the local picture

Short answer: 2 banks run 2 branches in Inlet Beach according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Inlet Beach, 1 elsewhere in Florida and 1 out of state, according to the FDIC.

The bank with the longest record here is Capital City Bank, operating since 1907 according to the FDIC. In FDIC branch records, the longest-running branch is United Community's office at 12805 Us Highway 98 E, dating to 2020; the newest is Capital City Bank's at 11275 Us Highway 98 E, from 2023.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Inlet Beach, and where the nearest one is if they do not.

Short answer: No branches in Inlet Beach: Chase (nearest in Tallahassee, 97 mi), Wells Fargo (nearest in Panama City Beach, 4 mi), Bank of America (nearest in Niceville, 35 mi), PNC Bank (nearest in Destin, 33 mi), U.S. Bank (nearest in Sarasota, 286 mi), Truist (nearest in Panama City Beach, 7 mi), Fifth Third Bank (nearest in Newberry, 209 mi), Huntington (nearest in Panama City Beach, 6 mi), Regions Bank (nearest in Panama City Beach, 3 mi), TD Bank (nearest in Live Oak, 175 mi), BMO (nearest in Tampa, 262 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Inlet Beach to the nearest branch in Florida.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Inlet Beach residents like anyone else.

Banks near Inlet Beach

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Panama City Beach (5 miles) and Panama City (14 miles). Panama City, 14 miles away, has the most banks nearby: 18.

Bank branch openings and closings in Inlet Beach

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Inlet Beach between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Inlet Beach by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Inlet Beach offices.

Short answer: United Community is the largest bank with offices in Inlet Beach, with $28.99 billion in total assets on June 30, 2026, No. 73 among U.S. banks by total assets. Capital City Bank is second with $4.45 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Inlet Beach: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.